Leni Lopez-Nguyen with Hawkins Home Loans NMLS 1366630/2043294

Homebuying tip: When choosing an area to purchase a home, study up on the schools. Top-rated school districts may correspond with higher property values – these homes may keep their value and may be easier to sell, too!

Feeling like your mortgage is out of sync with your life? Let's get it back in rhythm with a refi. Call us to match your loan terms to your tempo.

Just purchased a pig at the Sacramento County Fair!
Love supporting kids and their passions. Not to mention we will be eating food for the rest of the year. 😅

📢 **Big News!** 🏡✨

Dreaming of owning your own home but worried about the down payment? We’ve got you covered!

Introducing our **Zero Down Payment Mortgage Loan** with up to **$15,000 in Down Payment Assistance!** 💰🎉

Imagine moving into your dream home without the stress of saving for a hefty down payment. Whether you’re a first-time buyer or looking to upgrade, this offer makes homeownership more accessible than ever!

🔑 **Key Benefits:**
✅ Zero Down Payment
✅ Up to $15k in Down Payment Assistance
✅ Simplified Application Process
✅ Expert Guidance Every Step of the Way

Don’t miss out on this incredible opportunity to turn your homeownership dreams into reality. Contact us today to learn more and get started on your journey to a new home!

Great news!! You may still qualify for first-time home buyer perks even if you have purchased in the past! I can help you sort it out, so let's talk!

You don’t have to be stuck with a high-interest rate. There’s a way to buy down your rate with seller concessions. Ask me about a Temporary Rate Buydown and how it can save you big money!

An escrow account isn’t for everybody. You could save thousands of dollars by waving the initial escrow deposit at closing — with no fees. WHAM! Call today to see if you’re eligible for an escrow waiver.

Springtime is a great time for sprucing up. Just by doing these 5 things, you'll give your house the seasonal refresh it needs.

Thinking about buying your first home? Don't do it alone. I'm a local mortgage expert who can help you every step of the way. Message me to get started.

Want to buy a home but not sure you can afford it? I can show you ways to qualify for a lower interest rate that could result in up to three years of lower monthly payments. Contact me and I'll tell you how.

When Private Mortgage Insurance (PMI) shrinks, buying power grows. By working with us, you’ll get access to discounted PMI rates you won’t get at banks, credit unions or online lenders. Call us to find a better payment for your buyer today!

Hey, you could luck out and fall in love with the first home you look at — but studies indicate the average homebuyer takes an average of 8 weeks to find their home. Call me to get pre-approved today!

Still combing for that perfect home? I can help you lock in a low interest rate while you shop, for as long as 90 days. Reach out today!

Getting your finances in order should be your first step in house hunting. It’s important to keep things as consistent as possible and put off any major money moves until you’ve been approved for your new mortgage. Call me for more info.

Spend less on the down payment for your dream home and more making it your own. If eligible, you could put as little as 3% down. Ask us about our low down payment options today!

If you've hit a few speed bumps with your credit score, an FHA loan might be the fastest, easiest path to getting your new dream home. Reach out today to see if you're eligible!

Do you know what a debt-to-income ratio is? It’s how much you owe each month vs. what you earn. Let me help figure out yours and see how much house you can afford. Call me today!

Stop the madness: Use the equity in your home to pay off high-interest credit cards. It's a simple swap that can save you thousands! Call me for a confidential consultation.

Whether you cover drafty windows, switch to LED bulbs, or add color, texture, and warmth to your floors with cozy rugs, there are so many ways to save energy in your home. Stay cozy!

I offer a program that allows eligible homebuyers to purchase a home with just 1% percent down! Call me and I'll give you all the details.

Here's an equity-building strategy: Buying a duplex allows you to live in one unit, rent out the other and have your tenant pay a large chunk of the mortgage. Call today to get started.

You can always recycle your tree after Christmas, but why not do something a little more clever with it? Try one of these 5 suggestions.

Waiting is never fun, and sitting at the closing table for funds to complete a home purchase isn't any better. Fortunately, we offer instant funding that put keys in your hand quickly. It's another example of how we save you time. Call us to learn more!

Getting a mortgage through a bank is like going to a restaurant that only has one item on the menu. We work with several lenders, which means more options to lower your payment. Reach out so we can find the right recipe for you.

Look no further! Call today.

For generations, people thought they needed to put 20% down to buy a home. That was then. Today, some buyers can put down as little as 1% and be good to go. If you're in the market for a home, it's important to know what your options are. Give us a call to get started.